Lifetime free
Uni GoldX Credit Card
A lifetime-free card that gives 1% back as Uni Coins you can keep as digital gold, with 0% forex markup and a free RuPay card for UPI.
Joining feeFree
Annual feeLifetime free
Fee waiverNot needed
Top reward1% as digital gold
LoungeNone
Forex markup0%
Best for: People who want a free, simple card and like the idea of saving rewards as gold.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Most spends | 1% as Uni Coins | Transport ₹20,000 and insurance ₹50,000 spend a month |
| Vouchers in the Uni Store | 5% | – |
| Rent, fuel, wallet loads, international, EMI, utilities, government, education, tolls | Nothing | – |
- Coins can be kept as 24K digital gold or taken as cashback.
- Coins are lost after 365 days without card use.
Benefits
Welcome benefit
- No welcome benefit stated.
Milestones
- None.
Travel and lounges
- No lounge access.
Fuel and forex
- 0% forex markup, but international spends earn nothing.
- 1% fuel surcharge waiver up to ₹500 a cycle.
Other perks
- Free virtual RuPay card for UPI on the same limit
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Lifetime free |
| Interest | 3.99% a month |
| Forex markup | 0% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 21 to 60
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- No fees
- Simple 1% back
- 0% forex markup
Watch out for
- Many categories earn nothing
- No lounges
- Coins lapse if unused for a year
Recent changes
- 19 Sep 2026Tolls stopped earning; transport and insurance capped.
Frequently asked questions
Who issues Uni GoldX?
BOBCARD, Bank of Baroda’s card company, issues it with Uni.
Ready to apply for the Uni GoldX Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.